Education

Understand the choices behind your retirement plan.

Start with a forecast, learn how benefits, accounts and investments fit together, or explore how savings can become retirement income.

CHOOSE A STARTING POINT

1Build a first forecast2Learn investing basics3Plan retirement income

Three guided paths

Start with your question.

Each path connects a short learning sequence with the relevant planning tool.

Start with the whole picture

Build your first retirement forecast

For people new to retirement planning.

Learn what a forecast can explore, which rough estimates are useful and how planning changes over time.

5 articles availableFollow this path

Understand the choices

Learn investing basics

For people learning before—or alongside—investing.

Start with the plan, understand three connected investment decisions, then follow the branch that best matches whether you are saving or withdrawing.

8 articles availableFollow this path

Turn savings into a paycheque

Plan retirement income

For people approaching retirement or already retired.

Learn how spending, pensions, withdrawals and investments can work together—and what needs regular review.

11 articles available · 3 coming soonFollow this path

Fictional plan walkthroughs

See how the pieces connect.

Each short video and transcript follows invented people and amounts. No example is a recommendation or a typical result.

Short video · transcript included

Starting at 35

See how an early-career visitor can begin with rough estimates and one useful next action.

Watch the walkthrough

Short video · transcript included

Approaching retirement

See how rough estimates can become a connected detailed-planning illustration.

Watch the walkthrough

Short video · transcript included

Already retired

See how an already-retired visitor can compare the plan with what is happening now.

Watch the walkthrough

Have one question right now?

Retirement questions.

Start with a direct answer about CPP, OAS, RRSPs, RRIFs, retirement forecasts or monthly retirement income. You do not need to follow a complete learning path.

Browse retirement questions

Browse all topics

Open the subject you need.

The same article can support more than one path. It is published once and linked where useful.

Forecasting and goals8 available · 1 coming soon

How Do I Make My First Retirement Forecast?5 min read How Retirement Planning Changes Over Time5 min read Start With Spending, Savings and Income6 min read Start With the Plan, Not the Product6 min read How Much Money Do I Need to Retire in Canada?8 min read How Might Staying, Downsizing or Renting Affect My Retirement Plan?7 min read Case Study: Starting a Retirement Forecast at 355 min read Case Study: Connecting a Plan Before Retirement6 min read

Essential and Flexible Retirement SpendingComing soon

Saving and investing6 available · 0 coming soon

Should You Invest on Your Own?6 min read Start With the Plan, Not the Product6 min read Three Investment Decisions to Understand First7 min read How a Simple Diversified Portfolio Works8 min read How to Judge Investing Information and Where to Verify It7 min read Case Study: Starting a Retirement Forecast at 355 min read

Accounts and tax questions9 available · 1 coming soon

The Accounts That Matter in Retirement8 min read What Are CPP, OAS and GIS? How Are They Different?5 min read What Is GIS and Who May Qualify?6 min read When Should I Start OAS?7 min read When Should I Start CPP?7 min read What Is the OAS Recovery Tax?8 min read What Happens to My RRSP When I Turn 71?8 min read What Is a RRIF and When Do I Need One?8 min read How Do I Turn Retirement Savings Into Monthly Income?8 min read

How Pensions, Withdrawals and Spending Fit TogetherComing soon

Risk and portfolio construction7 available · 0 coming soon

Start With the Plan, Not the Product6 min read Three Investment Decisions to Understand First7 min read How Investing Changes When Withdrawals Begin8 min read How a Simple Diversified Portfolio Works8 min read How to Review a Portfolio Without Reacting to Headlines7 min read How to Judge Investing Information and Where to Verify It7 min read Case Study: Reviewing a Plan in Retirement6 min read

Retirement income16 available · 3 coming soon

Start With Spending, Savings and Income6 min read The Accounts That Matter in Retirement8 min read How Investing Changes When Withdrawals Begin8 min read What Are CPP, OAS and GIS? How Are They Different?5 min read What Is GIS and Who May Qualify?6 min read When Should I Start OAS?7 min read When Should I Start CPP?7 min read What Is the OAS Recovery Tax?8 min read How Much Money Do I Need to Retire in Canada?8 min read What Happens to My RRSP When I Turn 71?8 min read What Is a RRIF and When Do I Need One?8 min read How Do I Turn Retirement Savings Into Monthly Income?8 min read Could a Life Annuity Provide Part of My Retirement Income?7 min read How Might Staying, Downsizing or Renting Affect My Retirement Plan?7 min read Case Study: Connecting a Plan Before Retirement6 min read Case Study: Reviewing a Plan in Retirement6 min read

Essential and Flexible Retirement SpendingComing soon

How Pensions, Withdrawals and Spending Fit TogetherComing soon

Reviewing Retirement Income After a Life ChangeComing soon

Reviewing and adapting the plan11 available · 1 coming soon

How Retirement Planning Changes Over Time5 min read Should You Invest on Your Own?6 min read Three Investment Decisions to Understand First7 min read How Investing Changes When Withdrawals Begin8 min read How to Review a Portfolio Without Reacting to Headlines7 min read How to Judge Investing Information and Where to Verify It7 min read How Do I Turn Retirement Savings Into Monthly Income?8 min read Could a Life Annuity Provide Part of My Retirement Income?7 min read How Might Staying, Downsizing or Renting Affect My Retirement Plan?7 min read Case Study: Connecting a Plan Before Retirement6 min read Case Study: Reviewing a Plan in Retirement6 min read

Reviewing Retirement Income After a Life ChangeComing soon

Prefer to begin with the numbers?

Start with a rough retirement forecast.

Use estimates for your timing, savings, monthly spending and income sources. The result is an educational starting point—not a prediction.

Start my Quick Forecast